Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18064797
Orion Portfolio Services Accused of Reporting Incorrect Identity Information
Complaint Overview
Complaint ID: 18064797
Company: Orion Portfolio Services, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: South Carolina
ZIP Code: 29556
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of another individual's information on a credit report can significantly impact a consumer's financial standing and ability to obtain credit, potentially leading to disputes and financial harm.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, FCRA Violations
AI Analysis
CFPB complaint 18064797 was filed against Orion Portfolio Services, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information, specifically data belonging to someone else, appeared on their credit report, which was handled by Orion Portfolio Services, LLC in South Carolina. The complaint was received on November 30, 2025 from South Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with both the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Furnishers of information must have reasonable procedures in place to prevent the reporting of inaccurate data, including information that belongs to another consumer.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In South Carolina, consumers have rights under the FCRA to dispute inaccurate credit information and seek correction.
Industry Comparison
This issue is common in the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064797 about?
CFPB complaint 18064797 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Orion Portfolio Services, LLC on November 30, 2025.
Which company is complaint 18064797 filed against?
Complaint 18064797 was filed against Orion Portfolio Services, LLC. You can view all complaints against this company on their profile page at /company/orion-portfolio-services-llc.
What was the company's response to complaint 18064797?
Orion Portfolio Services, LLC responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 18064797 filed?
Complaint 18064797 was received by the CFPB on November 30, 2025. It was sent to Orion Portfolio Services, LLC on November 30, 2025.
What state was complaint 18064797 filed from?
Complaint 18064797 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 18064797?
Dispute information is not available for complaint 18064797.
What product category is complaint 18064797 about?
Complaint 18064797 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18064797 submitted?
Complaint 18064797 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18064797?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes regarding inaccurate information on consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against Orion Portfolio Services, LLC involving "Incorrect information on your report".
How likely is complaint 18064797 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 18064797?
This complaint is rated as medium risk. The presence of another individual's information on a credit report can significantly impact a consumer's financial standing and ability to obtain credit, potentially leading to disputes and financial harm.
What regulatory actions apply to complaint 18064797?
Furnishers of information must have reasonable procedures in place to prevent the reporting of inaccurate data, including information that belongs to another consumer. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18064797?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with both the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 18064797?
In South Carolina, consumers have rights under the FCRA to dispute inaccurate credit information and seek correction. This complaint was filed from South Carolina.
How does complaint 18064797 compare to industry norms?
This issue is common in the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit bureau and the company that provided the information (the furnisher). They should provide evidence to support their claim, such as identification documents.
What are the potential consequences for a credit reporting agency or furnisher that fails to correct inaccurate information?
Failure to correct inaccurate information can result in legal action under the FCRA, including potential damages for the consumer, fines, and reputational harm to the company.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.